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Tips to Reduce Costs of Long Beach Teen Car Insurance

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If you’ve started looking into Long Beach teen car insurance, your child must be approaching that rite of passage when he or she is ready (or at least eager) to get behind the wheel. If so, you’ve probably found that premiums are higher for teen drivers. These costs are due to the insurance company’s risks as, according to the Insurance Institute for Highway Safety, 16-year-olds get into accidents nearly six times more often than drivers between the age of 30 and 59.

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									Tips to Reduce Costs of Long Beach Teen Car Insurance

If you’ve started looking into Long Beach teen car insurance, your child must be approaching
that rite of passage when he or she is ready (or at least eager) to get behind the wheel. If so,
you’ve probably found that premiums are higher for teen drivers. These costs are due to the
insurance company’s risks as, according to the Insurance Institute for Highway Safety, 16-year-
olds get into accidents nearly six times more often than drivers between the age of 30 and 59.

But that doesn’t mean you have to go into debt to afford teen car insurance. In fact, if you’re
shopping for Long Beach teen car insurance there are many ways to reduce costs. Here are a
few:

       Put your teen on your policy: You will undoubtedly save money by adding your teen
       driver to your existing auto policy as an additional driver rather than setting up an
       independent policy.

       Enroll in a driver’s education course: You can often save money on your Long Beach
       teen car insurance by demonstrating that your child has completed an approved driver
       education program.

       Check-out multi-policy discounts: You may be able to lower your coverage if you
       combine your auto insurance with your homeowners insurance (and other types of
       insurance you have with the company).

       Buy a safe car: It probably goes without saying that you should avoid sports cars when
       insuring your teen driver. You’ll not only rest easier, but also keep your Long Beach teen
       car insurance costs as low as possible.

       Raise your deductibles: Increasing your comprehensive and collision deductibles can
       lower your premiums and keep you from filing small claims that could raise your rates.

       Pay for good grades: This one may sound a bit extreme and is certainly a creative
       approach, but teenagers respond to financial incentives and you save money when their
       grades are higher. A “B” average or better can reduce your Long Beach teen car
       insurance premiums by as much as 10 percent.



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       Shop around: There are several car insurance companies out there, and some offer
       better teen car insurance rates than others. Take the extra time to get quotes from
       different companies to ensure you get the most coverage at the best cost.

These are all financial issues when considering the many options you have for Long Beach teen
car insurance, but don’t forget the basics. Help your teen learn the rules of the road and follow
them to the letter by setting a good example. The best way to keep their rates low is for them
to keep their driving record clean.

Researching Long Beach teen car insurance rates? Talk with an expert who can provide you
with an instant quote. Call 562.498.8661 or visit www.KellyWilliamsIns.com.

About Kelly Williams Insurance:
Kelly Williams is the president of Kelly Williams Insurance, a boutique, full-service Long Beach
insurance company specializing in all lines of insurance including auto, home, life, health, and
business. Kelly Williams Insurance was founded in 1895 and is based in Long Beach, California.
The insurance company also serves Orange County and Los Angeles County. Visit
www.KellyWilliamsIns.com or call 562.498.8661 to learn more about the company’s personal
and business insurance products.




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